Horses are unpredictable. Negligence isn't excused because of that

Riding carries an inherent, accepted risk. A poorly maintained saddle, an unsuitable horse for your ability, or inadequate instruction is a different matter, and that's what a claim is usually about.

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Riding schools, liveries and event organisers have a duty to properly maintain tack and equipment, match riders with a suitable horse for their experience level, and provide competent instruction and supervision. Accepting the general risks of riding doesn't mean accepting negligence in how a lesson, hack or livery yard is actually run.

We also handle claims arising from horses on the road or in public spaces, where a driver or another party's actions caused an accident involving a horse and rider.

What kinds of horse riding accident claim do we handle?

  • Faulty or poorly maintained tack and equipment

    Including worn girths, stirrups and riding hats.

  • Being mismatched with an unsuitable horse for your experience level

    Where a rider was put on a horse beyond their ability.

  • Inadequate instruction or supervision at a riding school

    Particularly for beginners and children.

  • Livery yard accidents

    Including unsafe stabling or handling.

  • Road traffic incidents involving a horse and rider

    Where a driver passed too close or too fast.

What if I was partly at fault?

Partial responsibility reduces compensation proportionally rather than removing the claim. Accepting the general risks of riding doesn't mean accepting a facility or instructor's negligence.

What you could receive

Horse riding accident claims cover general damages for the injury and its effect on your life, and special damages for financial losses, including lost earnings and treatment costs.

We'll talk you through what's realistic for your situation once we've reviewed the details. We won't overpromise, and we won't quote a figure before we've properly understood your case.

How does a claim actually work?

Four stages, and you always know which one you're in.

  1. 01

    Initial consultation

    You tell us what happened. We give you a straight view on whether your claim has merit, free and with no obligation.

  2. 02

    Investigation

    We gather evidence, incident reports, and where relevant, the riding school or yard's safety and maintenance records.

  3. 03

    Negotiation

    We deal with the responsible party's insurer, which may be a riding school, a livery yard, or a driver's motor insurer.

  4. 04

    Resolution

    Once agreed, your compensation is paid. We'll explain exactly how our fee is calculated before you agree to anything.

Don't leave it late

How long do I have to claim?

Most personal injury claims must be brought within three years of the accident, or three years from the date you first connected your injury to it. For children, that three year clock starts on their eighteenth birthday.

If you're not sure whether you're still within the time limit, contact us. We'll tell you quickly.

The money side

What will it cost me?

Nothing upfront. Where a no win, no fee agreement applies, our fee comes from your compensation only if the claim succeeds, and it's set out in full, in writing, before you agree to anything.

  • We'll explain the funding options available for your claim, which may include a conditional fee (no win, no fee) arrangement, clearly and in full before you decide whether to proceed.
  • Where a conditional fee agreement applies and your claim succeeds, a success fee is deducted from your compensation. The law limits that fee in personal injury claims, and it is never taken from any damages awarded for future care or future loss of earnings. We explain exactly how it is worked out, in writing, before you agree to anything.
  • A cancellation fee may apply if you withdraw outside the 14 day cooling off period. Full details will be provided before you sign anything.
Common questions

Frequently asked questions

Doesn't riding mean I accepted the risk of falling off?

You accept the ordinary risks of riding. You don't accept faulty equipment, an unsuitable horse, or poor instruction, which is where most valid claims arise.

What if I was riding my own horse, not one from a school?

You may still have a claim if a third party's negligence caused the accident, for example a road incident or an issue at a livery yard.

Does a waiver at the riding school prevent a claim?

No, a waiver cannot exclude liability for injuries caused by the school's own negligence.

Can children's riding lesson injuries be claimed for?

Yes, a parent or guardian can bring a claim on a child's behalf where a riding school's negligence caused an injury.

Ready to find out where you stand

Tell us what happened. We'll give you a straight answer, and we won't pressure you either way.

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